There are several LOMC types that someone may submit.Īlthough FEMA uses the most accurate flood hazard information, they understand that due to limitations of scale or topographic definition of the FIRM maps, some areas can be subject to error. This request is known as a Letter of Map Change (LOMC). In situations where a property owner believes that their property has been inadvertently mapped in a Special Flood Hazard Area (SFHA) on a FIRM map, FEMA provides for an administrative process for the public to request a change in the flood zone designation for the property. These maps are used in the preparation of the flood elevation certificate. The NFIP issues Flood Insurance Rate Maps for participating communities which show flood hazard areas, base flood elevations and risks associated with these hazards. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase of general risk insurance, but also of flood insurance. The NFIP aims to reduce the impact of flooding on public and private structures. The NFIP is managed by FEMA and has three components: to provide flood insurance, improve floodplain management and to develop maps of flood hazard areas. The flood elevation certificate is a comprehensive form provided by the Federal Emergency Management Agency (FEMA) that documents a structures lowest floor elevation and shows the relationship of that structure to the base flood elevation for a particular floodplain. In order to determine proper insurance premium rates and if a building is in compliance with community floodplain management ordinances, the National Flood Insurance Program (NFIP) requires a flood elevation certificate.
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